Fee waiver disclosures

Advisory Credit Management, Inc. agrees to waive their respective fees if the client has income less than 150 percent of the poverty guidelines last published by the United States Department of Health and Human Services (DHHS) applicable to a family of the size involved in the 48 contiguous states.

PLEASE NOTE:

1. The income for comparison to the poverty guidelines is the "Total Combined Monthly Income" as reported (or as will be reported) on Line 16 of Schedule I of the bankruptcy petition.
2. Non-cash governmental assistance (such as food stamps or housing subsidies) is not included in calculating debtor income.
3. The income of a spouse is included in calculating income whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.
4. The income of any other family member listed on Schedule I as a dependent also is included.

Please consult with your attorney to see if you qualify. If your attorney cannot help you, Advisory Credit Management, Inc. Customer Service Line at 1-800-786-3940 to see if you qualify for a waiver.

To arrange for a waiver, please forward a written request for the waiver along with evidence of any and all income to:

Advisory Credit Management, Inc. ATTN: Fee Waivers
Email info@advisorycreditmanagement.org
Mail: 5769 West Sunrise Blvd, Plantation, FL 33313

Advisory Credit Management (ACM) is approved to issue certificates in all EOUST Judicial Districts excluding the Northern Mariana Islands, Puerto Rico and U.S. Virgin Islands.

ACM is also approved to issue certificates in the USCOURTS Southern District of Alabama, Middle District of Alabama, Eastern District of North Carolina and Middle District of North Carolina judicial districts.